I Have $180,000 in Savings and $60,000 in Credit Card Debt!

[@2snugglebear1999]

Caller: I have debt Dave: Pay it off Caller: Ok

[@V.Hansen.]

Us: Ah, yes. Wisdom. Let me listen to more.

[@reneer33]

😂😂

[@georgecarter838]

Can't get more simple than that!

[@73av8r5]

It’s that simple. It’s like losing weight....eat less, move more. Duh.

[@Ravenex2]

Because most people will pursue their dreams in the wake of debt.........what I love is that Dave Ramsey (Stephen Graham too) teach people to pursue their dreams while avoiding debt. Cause debt is the enemy of wealth, simple concept but people get greedy or blindsided.

[@beckyshell4649]

The credit card is an absolute no-brainer why would you carry a $60,000 debit on a credit card and pay interest on that.

[@elevate4eva]

Chances are, he doesn’t have $180k in a savings account. It’s probably in some kind of stock market investment. The reason he hadn’t paid the CC is because he’s probably done better with the stocks than the interest paid on the CC.

[@frozenkilt]

@@elevate4eva I'd be surprised, considering the interest rate on most credit cards is around 18%.

[@elevate4eva]

@@frozenkilt I hear you, but I have a CC at 9.9%. Paid off. But, I’d be more surprised that he has $180k in cash just in the bank doing nothing.

[@blackworldtraveler3711]

People carry credit card debt and pay interest so I can benefit getting over $800 a month tax free dividends in my Roth 401k with my Visa and MasterCard stocks. This☝️☝️☝️☝️☝️☝️☝️ is my absolute no-brainer and epiphany from years ago.

[@justinacase2623]

Airline miles! Or the awesome cash back being consumed by the crushing interest rate.

[@GolfAppetite]

Seems like the guy might have an attachment to his savings account.

[@RyanBooth3]

I think a lot of people have that problem and it’s not hard to relate to. It takes a long time to accumulate that level of savings and it’s hard to give it all up, even when it’s for the best.

[@GolfAppetite]

Agreed. I made that statement coming from experience. Once you have goals and a strategic plan for your financial future. It makes it a little easier.

[@rdb0819]

Yep. With a paid off house that’s hypothetically worth $250k-$350k, that means he has more than what’s in his savings anyways. He should do exactly what Dave said

[@ryanj357]

@@RyanBooth3 Yeah the way I look at it. Is that once you pay off something you own it. It doesn't own you. It's easier to make extra payments on things if you save it till the end of the month and not pay it off right away. It''s just a matter of laziness in the person tbh.

[@costco_pizza]

@@RyanBooth3 So sad, this caller is absolutely DROWNING under this debt. I hope he can somehow pull it together. :(

[@DaveMcTKD]

I'm a hundredaire, working on being a thousandaire, maybe someday Ill be a millionaire.

[@jennicaharris9134]

I'm a multi-thousandaire. It would be cool to be a millionaire someday. Good luck to you.

[@jacob1931]

Compound interest will help with that

[@SVSky]

Starts somewhere! Keep at it!

[@j0epark1]

I can’t wait to be a hundredaire! I’m very close! Hopefully I’ll find a few quarters today

[@musicpro7278]

Whats considered a hundredare or thousander. Have much u need to have

[@jzplayinggame]

"I have 120,000 in savings" There, fixed that for you.

[@mroberts566]

I'm trying to figure out why he was so far in credit card debt with that much in savings. He must have been paying interest on that for years. He was wasting thousands of dollars per year in credit card interest, when he had the cash just sitting there? I'm surprised Dave didn't read him the riot act over that.

[@thewifelife007]

I guess he is attached to the money in his savings and doesn't want to spend it. It doesn't make sense to me because $120,000 is still pretty good after paying off the credit cards.

[@2-old-Forthischet]

Common sense is not so common.

[@Dreamprism]

Jarren beat me to this retitling.

[@Dreamprism]

@The Dave Ramsey Show reporting your comment as spam and faking Dave Ramsey. (The comment will probably be deleted by KZbin, so if someone is seeing my comment later I'm sorry if it's confusing.)

[@Ryan-um5xe]

I'm convinced some people just call in to brag

[@lionelhuts875]

To brag about what? At how dumb they are? "Hey Dave! I've got a pile of cash earning a fraction of a % in savings, while I let this other big pile charge me 20% interest."

[@sharinglungs3226]

Some do indeed but $60k in credit card debt you might as well have a dunce hat on. I’m surprised it never occurred to him to pay it off when you look at how much you’re giving away in interest.

[@Pandorash8]

I think in this case, the caller was looking for courage of conviction.

[@Chris-dr4bl]

It probably took many years to build that bank account so it is more an emotional attachment rather than financial. So he honestly probably had a very hard time parting with it.

[@RaymondDawson-v2w]

​@@lionelhuts875Brandon will never accumulate any wealth because his mindset is skipping out on paying back what he owes is okay.

[@PointB1ank]

The more I watch these videos the less I'm sure if people are actually unable to make easy decisions, or if they just want to call in to be on the radio.

[@chrisreynolds6391]

There's obviously thousands of calls. He chooses the ones that support his narrative. There's the success calls, the drama calls, the useful calls, the stupid obvious calls (like this one).

[@Tweegrrl]

The weight that is lifted when all debts are paid. DO IT!

[@Will-oj3un]

Dave Ramsey’s team consistently repeat the baby steps. How are people so dense that they continue to call in with the same problems and think they are going to get a different answer?

[@khit007]

I'm assuming it must be casual listeners listening for the first time and want to get on the radio... I know I'd be too scared to call dave if I had any debt xP

[@insideoutsideupsidedown2218]

People get impatient. They are on baby step 2 and look down the highway and still see a mountain they have to cross.

[@colbyallen5750]

Love how Dave has approached to share wealth building tips through stories instead of just telling people what to do. Being personal appeals to the heart, which is where decisions are ultimately made.

[@ericbartha6313]

That is problem with all these co-hosts. I know they are grooming them to one day take over, but they just don't have the life experience to be Dave. Rachel and Hogan do a better job than Oneal and I like Dr D because he offers a lot more knowledge on the relationship side of things. Oh well. Hopefully they get it together before Dave leaves.

[@luccianoblock5127]

Couldn't agree more

[@HoustonTom]

The co-hosts also don’t want to talk for 5 minutes straight. Eventually they need to learn how to entertain listeners and not just give 10 second advice. But Dave hit on one of the most important questions on that the caller needs to understand how he got 60k in cc debt. He needs to learn to avoid that behavior. Sounds like the caller is going to do well.

[@ezflykha6415]

Problem sounds solved already⁉️

[@vincentortega4284]

No lie,pay off the credit card, and put what that payment towards savings or investments depends on your circumstances.

[@faitha1075]

Yh this is easy problem

[@vincentortega4284]

@@faitha1075 for sure AA

[@costco_pizza]

@@vincentortega4284 Sadly it's not that simple. This caller is absolutely DROWNING in debt! I hope he can pull it together somehow. :(

[@ceelothatmane9421]

@@costco_pizza he’s not in debt he has the money to pay it all off and still have $30K left over. From that $30k with a $120k salary, he can build up his capital in no time

[@eiram3395]

This is why I watch this show. Dave will tell you that you did wrong but also gives you advice on how to get back on track. He doesn’t leave you feeling like a failure. Learning from bad decisions can lead people in the right direction.

[@luccianoblock5127]

Yea and the stories that only experienced people know

[@Rogcui]

Credit card interest rates are 10-20%... pay it off IMMEDIATELY! The only type of debt anyone should be carrying is a mortgage 🏠

[@inertiaforce7846]

Not if you can pay off the mortgage. I wouldn't carry mortgage debt if you can pay it off.

[@Denniss7420]

@@inertiaforce7846 Most can't....you need to start somewhere.

[@inertiaforce7846]

@@Denniss7420 Agreed.

[@jacobwilson7301]

@@inertiaforce7846 well, it depends on the return you can get from other investments to some people. If you can get a 7-10% return on your investments compared to paying 4.5% on a mortgage, technically it is better to do that than pay off debt. However, there is just such a piece of mind being completely debt free that is well worth any money that could maybe be gained

[@inertiaforce7846]

@@jacobwilson7301 I disagree. Dave Ramsey has a specific video addressing this exact question. He lays out his reasoning for why paying off debt is better than investing at a higher rate. He points out that mathematically speaking the higher rate of return obviously is a no-brainer the problem is that it doesn't factor in risk. He gives his reasoning and I agree with the reasoning completely. I don't have a link to the video at the moment but if you really are interested reply asking me for it and I'll find it.

[@cryptoflippodcast]

I always find it interesting that people that earn a lot of money Are in the most debt. Lifestyle inflation 😤

[@notmebutyou8350]

👍👍👍👍👍

[@juniorgod321]

Nah. That's just called being a "deadbeat"!

[@FK78696]

Society tells us that the more we earn, the more we "deserve" things and the more debt we are "allowed" to take on to get the things we so "deserve".

[@blackworldtraveler3711]

@@FK78696 That’s your issue not mine.

[@peters.6343]

King, That's because they can service the debt. So banks will lend.

[@jongho.finance_made_easy]

So weird to think that someone who's able to say 180,000$ in cash has 60,000$ in credit card debt. I wonder how much he has paid in interest depending on the interest rate because I would guess that hes paying around $1,250 a month with a 25% APR

[@butucmanuela3965]

I appreciate Dave’s humbleness admitting he was tempted to take a mortgage on that 5mil option to buy the building worth now 12mil. Congrats for him doing what he preaches still!

[@LetsTalkPersonalFinance]

This is an easy fix, the caller should already know what to do here

[@alphabravo7101]

I read the title as “so I have $120,000 in savings”.

[@superblump87]

"...and I like to watch it shrink as I pay interest on my credit card debt."

[@sharinglungs3226]

Technically $30k since he also has a $90k mortgage.

[@Chris-dr4bl]

Discipline and patience. Those are the 2 keywords. Most people are not willing to be disciplined and wait.

[@KM_9904]

Great video, and with a great story! A reminder to not forget where we come from, and that the little accomplishments for some people are huge accomplishments for others ❤️

[@fhuber7507]

$180k savings and $60 k CC debt and 90 k mortgage = pay off the debts. Now you're able to stuff money into savings like crazy.

[@MrAlexLowen]

It's nice how Anthony acknowledged the capacity Dave has to build a narrative around a principle to make it more effective.

[@niecyh2313]

Use part of your savings to pay off your debt! That’s common sense. Smh

[@yurusuleive2651]

Nope, its smart to pay off credit card debt, but that's it. The interest is higher in investment so mortage should stay

[@iDrive123]

@@yurusuleive2651 For now.

[@TuyetNguyen-pp2ew]

most people lost common sense

[@JSM.]

Specially if you'll be debt free and still have savings left. SMH. Sometimes i think people lie and give fake info, like how to you "manage" to save 180 k yet.get deeper in debt with 60k Credit card debt. Doesnt make sense.

[@IWNTYU]

Yeah but the sad part is that 110% that his not gonna do it. People that like to spend a lot of money that is not theirs don't like to pay back because it hurts. 60 k in credit card debt says a lot about someone

[@CEDL4072]

OMg I HAvE soO mUCh moNey whaTEVeR sHOOuLD i dOoo?!? 😂

[@matthewmchenry9331]

The problems are always the same, regardless of income or holdings.

[@CEDL4072]

@@matthewmchenry9331 A lot of ppl though wanna humble brag, I see it online constantly too and it's getting tiring. If you're that blessed to have that amount of money saved, great at least give us tips on how you did it lol. And I'm doing well with my finances myself. No debt and substantial savings. I like giving tips to ppl in need. One huge tip, you can always dispute negative marks or mistakes in your credit report. I did and my score shot up 100 points! That's one of many hacks I learned and was blessed enough to have others teach me as well.

[@barbieblue3336]

My mind is boggled that someone thinks they have x amount of savings if they have y amount of debt.

[@CaseyBurnsInvesting]

You mean you have 120k in savings? Yeah, that’s what you have. The bank has 60k

[@bighands69]

No he has 180,000 in his savings arounds. He is owes 60,000 and 90,000. We could say he has a net assets of about 30,000 (excluding value of property).

[@stephenshelton4267]

In the 90s some of my co-workers and I were fresh out of college. One guy had loads of cash, at least $20K but bought an SUV with a $20K loan. It frustrated me because I couldn't make him understand how foolish it was to not pay off the loan. He was a fearful kind of guy so I think the idea of suddenly losing the security of $20K terrified him.

[@carlkpsplucky5554]

Stephen Shelton No ones decisions should frustrate you. You can lead them to the water, but you can’t make them drink.

[@iwasjustjoshin245]

Always enjoy your comments.

[@stephenshelton4267]

@@carlkpsplucky5554 until masses of people do the same dumb thing and then a group of politicians pander to them by stealing my labor to erase their mistakes.

[@jordanhamer9294]

:09 The yawn followed by the agreeing nodd by Anthony was pure gold. Love that dude

[@xbebe]

I'm just so grateful I found Dave

[@nicholed4474]

He just wanted to talk to Dave lol. He knew what to do.

[@theultimatetowerofterrorre301]

"I found this thing called common sense." I second that journey and destination.

[@strat1080]

Rental income actually doesn’t tend to take a hit in economic downturns. What happens in economic downturns is less people buying houses and more people renting. The law of supply and demand tells you that would not lead to less rental income. I’ve managed several rentals throughout the pandemic and I haven’t had any issues

[@tjones2550]

The caller already knew what to do in both instances. He is emotionally attached to that money and needed a firm reason and a very hard push!

[@rdb0819]

Savings: $180k Credit Card Debt: $60k House Balance: $90k Solution: payoff C&H = $30k in savings House: Hypothetically $300k (worth) Equity • Savings : +$330k Salary: $120k Net worth: $450k End Result: This guy would be a millionaire in 2yrs 🤷🏾‍♂️

[@gettygarrettable]

"Whether you do it right, or you do it wrong-it still goes really fast."

[@megg4117]

I read the title of this video and scrolled passed. But then came back to it. Let’s just hear Dave say it! 🤣🤣

[@ChristisKingOverMyLife]

Hahahahahha. My story too.

[@randy944]

$60k at let's say 16% apr is $9-10k a year in interest. Dave: this is an IQ problem.

[@georgewagner7787]

I don't understand how people who can't make these decisions come up with 180 in the first place

[@jvolstad]

$60K in credit card debt? Ouch. Can you imagine the interest he is paying. Pay those suckers off now!

[@duanejackson6718]

About 500 a month in interest if it's at 10%.

[@kellyy9349]

Stupid people pay other people first! While Smart people pay themselves first! This guys is obviously stupid, even if his CC interest rate is low or 0! Debt is debt!

[@choreomaniac]

Average apr is 17 percent. So that’s about $850 a month.

[@THeSPARTEnMORTER21]

i havnt watched the video yet, but by the end of the day this person should have $120,000 in savings and $0 in credit card debt.

[@erinnkemp]

Just pay it off.

[@mikekeenanphd]

Anyone who runs up 50k in credit card debt and has 180k in savings is not going to listen to Dave's advice in the long run. How is that even possible? The savings must be in a 401k or IRA or something like that. No one would save money into investments and pay >10% interest on credit cards, right?

[@justinacase2623]

Ever seen a bank building? They do it regularly! Check out BoA, CEO salary and bonus. Fools and credit cards pay for that.

[@mikekeenanphd]

@@justinacase2623 Too true. You are sadly correct.

[@muzammil150]

I needed this. Have no consumer debt. Will be paying off primary home and then will buy a rental home with cash

[@bodybailout]

So so true! Life does go really fast! I remember when I paid my house off 7 years ago! It was like.....WOW! And then tackled my credit card and rentals....I cannot agree how more liberated I feel. Even in these hard times, I feel like I made the right decisions! Thank you Dave! I am not only reading the same book but definitely on the same page!

[@1885173]

That guy left the chat to pay those credit cards

[@austinfreiburger9095]

We can only hope

[@GorgieClarissa]

Come on this one isn't hard at all.... why continue to pay interest on anything when you can just pay it off and still be comfortable???

[@bighands69]

He was getting tempted by the investment property which sounds like more debt.

[@alexg3348]

Great story, great testimony Dave. That's why I keep coming back to be reminded of the basics. God bless you and your team!

[@HealthCoachHayley]

These principles WORK. It’s true. Personally can attest to it. Listen to DAVE.

[@barbieblue3336]

I eat rice & beans all day long, sit in the dark, never vacation, drive a 50 year old car if i go anywhere, work 40 hours plus 30 hours o t from my paid for basement - what's my next step

[@roberthuster1503]

I love that he says he didn't accumulate wealth income but with principle. It's not what you make it's all about behavior.

[@krob1n]

Lol “It’s taken a while... I’m old.”

[@campin_sasquatch7740]

@Marvin Okoh what?

[@campin_sasquatch7740]

Lol

[@Je.rone_]

This seems like your throwing dave an slow underhanded pitch and he's an all star at batting ... its easy to solve and prevent

[@DrJaredNelson]

This guy did a great job! When pays off that debt it will be a weight off of his shoulders.

[@KeebasLife]

I’m glad Anthony left. Dave looked uncomfortable with him answering this question initially. People always show their true feeling when least expected. Smart for Anthony to get going.✅✅✅✅✅✅✅✅✅✅✅✅✅✅✅

[@Guy_LastName]

how do you let credit card debt get that high while also saving a ton?

[@Hayashirice911]

You lack common sense and basic financial skills lol

[@Guy_LastName]

@@Hayashirice911 which is why schools dont teach financial literacy, so corps can profit on people who don't know any better.

[@Guy_LastName]

@The Dave Ramsey Show Fake account.

[@zunaiandre2341]

Some of us earn $50k ish yearly and mate here charging $60k ish on credit cards.Who is doing wrong here😏😏😏

[@michaelvarney.]

1. Pay CC 2. Put rest into taxable index funds. 3. Cash flow paying off house. 4. Invest 15% of your income 5. Save for real estate. Why? A. Cc debt and other high interest debt sucks. B. You can always pull back your principle into your taxable investments with no penalty, you only pay taxes on gains. You can grow that at 7-10% per year. C. Low interest fixed rate mortgages are good if you have one. Keep it and cash flow purchase of all other rental property.

[@cool9as9ice]

Dave you are my hero. Huge respect from Saudi Arabia.

[@ericeven4090]

This is my ex wife. Absolutely believes the most important thing is cash in the bank. Her entire life is debt ridden and run on credit but she hordes cash. Craziness.

[@joanneelzinga807]

Wisdom! So much wisdom shared here. Thank you for having the heart of a teacher Dave.

[@teddythestockpickingpoodle]

There is an ad below this video in my feed for Gucci an fashion designers ..😆 wrong product placement

[@Brunes1836]

I am 36 here. Paid off my house, NO debt and my net worth has quintupled since the pandemic started in March. Do it, dude! I made more in investments this year than I earn in a year.

[@symlexbrn5396]

I'd love his problem, it's like a toddler's 3 piece puzzle

[@adityamaheshwary299]

Thanks i knew about Michael Ross! He was my professor in Oxford and told us about Vectra!

[@anitaclue9868]

Watching your videos, I am so impressed by your candor balanced with encouragement! Thanks for sharing your passion of these principles with us.

[@WolverineIncognito]

Haven’t even watched the video yet, but I know what Dave is gonna say!

[@elevate4eva]

Were you right or wrong?

[@ManuelReynamanuelmreyna]

Rice and beans?

[@fleurelise997]

Some people would rub a genie's lamp to have this caller's problem 😑

[@mxerb5912]

They were too nice in this guy. No question why he has 60k cc debt with insane interest rates when he has 180k making no interest

[@bighands69]

He clearly got his savings into gear just needed to clear credit card and mortgage.

[@mxerb5912]

@@bighands69 probably would be cc debt free with nearly the same amount inin savings if he wasn’t paying cc interest

[@v.m.4453]

The yellow sweater looks awesome on Anthony O'Neal Just wanted to point that out. Now carry on.

[@andrem1238]

It's sharp, I'll give you that.

[@jamilyakovacik570]

Thank you Dave and Anthony for educating people and sharing your personal experience. Good karma! Pay off the debts first, have emergency fund, then save for investment. Nothing is guaranteed in this world. Guy can lose his high-paying job or have an accident. Than he stuck with his bills. Don't invest with no down payment. Investment properties should have cash flow. Do the math first before you buy.

[@igqfresh]

If 2008 happens or anticipating a market crash, dive in to some long contracts in PUT options. Then when you think the market turns, buy some of those stocks and buy some CALL options contracts. Buy low, sell high.

[@vanessaellis2195]

So he DOESN'T KNOW THE BABYSTEPS...

[@shola7987]

This so what needs to be taught in highschool's not that other bs.

[@blackworldtraveler3711]

Basic math and reading already being taught.

[@PPE707]

@@blackworldtraveler3711 basic math and reading is but financial literacy isn’t.

[@blackworldtraveler3711]

@@PPE707 You walk into the school or public library and use your basic reading and math skills. You walk up to your math teacher and ask. Ask your parents. Online courses. There are 3rd grade books at the library on personal finance with pictures and everything........ Stop making up excuses. Look in the mirror. You have the basic tools just use them. Even when people get these insane students loans not one of them think to take a course in personal finance but have no problem spending loan money on cellphones, Starbucks, spring break vacations, etc.. on top of stupid degrees with no marketable skills.

[@zunaiandre2341]

Now we doomed,no school anymore

[@jaddy540]

You don't need to learn it in highschool, or any school. LEARN ON YOUR OWN!

[@HeavyontheChai]

Anthony straight to the point, Dave will make you feel the pain, and scare you straight to the point!!! We need both! ❤

[@sotothecreator]

What I learned always pay off the debt first.

[@LittleMopeHead]

I already knew the answer after reading the title.

[@DMaster81]

Large amounts of money in a savings account now is nothing but a money losing security blanket. Interest rates are below the toilet and the value of the dollar declining they’re basically causing you to lose money while feeling like you’re not

[@Polo22546]

The caller’s first sentence almost irritated me. 🤦🏽‍♂️

[@sigor2011]

Dave also says about the study but any millionaire I know uses debt to make that money. They might not have personal debt, but they use it for business.

[@mrsickotrading]

solved

[@Xspeedspec]

I would pay the credit card debt then save for a rental and pay cash, keep my mortgage then pay off my mortgage after the rental is cash flowing free and clear. That way the rental is going up in value also

[@kingbran923]

There’s really no difference between that and paying off your mortgage first other than you’re buying a rental house faster but you also have the added risk of the debt you own on your own home. I wouldn’t try to outthink it, I would just pay everything off and with a 120K income I’d save up like crazy. You could buy the next property depending on price and stuff in cash within two years easily, faster if you got a mortgage on the rental.

[@NadiaSimone]

Man, u better knocked that ish out

[@Nintentional]

Should have zero credit card debt, 15k savings, the rest invested. Smh

[@fortunivet]

Thank you for this video. Many different coaches in REI teaching to get in debt. Too many conflicting voices.

[@lolroflomginternet]

is every caller making more than 100k a year but still go into debt? that just boggles my mind. i make 40-50k a year and have over 80k in savings and never went into debt

[@EastCoastReefer]

Dave does a great job making sense of things.

[@vectorhacker-r2]

It sounds like he has $30,000 in savings

[@SingerAuto1967]

That’s the math I did 🤷🏼‍♂️

[@nokota]

🤣

[@ricabulletproof3560]

😂😂😂

[@richardcarlson8272]

120,000. U can make more investing than on the current interest rates

[@linuxsurfer2002]

Caller: I have $60k in CC debt, $90k mortgage, and $180k savings. Dave: Ok so you have $30k emergency fund and no debt, got it. What's the question?

[@pimpballer3]

You have $120,000 saving. Period.

[@skibum6422]

The interest on 60k of credit card debt is crazy. Why would you not have paid that off instead of saving money.

[@Hikarux8]

*Sees title* *Me to the bank account* "You know the rules, and so do I, say goodbyeeeee"

[@bres9977]

I don’t know if the caller knows this, but credit card debt incurs INTEREST. Meaning if you don’t pay it off when it’s due, you end up paying MORE.

[@KennTollens]

Truly amazing is how many ways he can say the same thing, 30 years worth.

[@MR3DDev]

I agree that one very important factor to becoming a millionaire is no debt BUT people did not became millionaires by just not having debt, you can have no debt and flip burgers at Mcdonalds all your life and you will never be a millionaire, you need a skill or a product the market has a big desire for to be a millionaire. How is Dave a millionaire? He sells courses that helped a lot of people

[@justinacase2623]

Not exactly. Dave's income comes from 17 million listeners and 600 radio stations. Then his real estate. He basically gives his course away for free. His book? Ten bucks! His entire seminar is on YT.

[@MR3DDev]

@@justinacase2623 So you are still making my point that he is a millionaire due to his work and not just being out of debt, thanks

[@justinacase2623]

@@MR3DDev Did you miss the call from the elderly widow lady who drove the school bus? It is possible to become very rich with modest income. It just takes longer.

[@jrgd9083]

How do i ACTUALY call the dave ramsey show to ask and see if i can ask some questions i have concerns of?

[@enigmathegrayman2953]

The video title solved the problem 🤷🏾‍♂️🤷🏾‍♂️🤷🏾‍♂️

[@brianfeeney1061]

Soooo you have 120 saved in reality

[@MrIrish1]

No 30k, did you not listen

[@realmenbankruptcasinos7022]

We really don't know how much he has saved because he didn't mention retirement accounts.

[@jasonmicheal7483]

Wow I got my credit card from *Cardermanager2* on telegram he is real and trustworthy vendor I can voucher him everything goes well.

[@anchorsaweigh9893]

Caller is Trolling

[@tzastin.]

When Dave mentioned his past debt (which I didn’t know about) I looked up his net worth and mans is worth 55 million! That’s insane 😩

[@jimhandler1129]

If you are in debt, he is the man to listen to.

[@marktheshark2569]

@@jimhandler1129 that’s not fully true. I do agree with a lot of what he says but most definitely not all. For example, I listened to a call, girl was in debt, living at home, only made $13 an hour and he tells her to move out. That was terrible advice that he gave in that phone call I heard. That just 1 example of many, but again a lot of what he says is good but not all of it. You have to take his advice into consideration and form your own opinion at the end of the day

[@jimhandler1129]

@@marktheshark2569 Wow. You really read "He is the man" to mean: Listen and follow everything Dave Ramsey says no matter what? I obviously don't agree 100% with everything Dave Ramsey says or advises. If you are in debt, then you need some guidance. We all listen to advice and then with our own brains, based on our own individual circumstances, make our own decisions. He's still THE MAN when it comes to getting out of debt.

[@marktheshark2569]

@@jimhandler1129 agree maybe I shouldn’t have commented that, bc a lot of what he says is good but it just some stuff he says is completely crazy to me that’s why I said take his advice into consideration

[@kanecierra8940]

Great Advice!!

[@Aetriex]

Chris is such a hype man for Dave I love it

[@pacluv]

That’s Anthony not Chris. They don’t all look a like

[@Aetriex]

@@pacluv I'm sorry, I'm new, I listen to these, not watch. I will delete it.

[@Longjohnsilver58]

This headline reminds of those math problems from grade school. If Jimmy has $180K in savings paying a fraction of 1% interest, and Jimmy also has $60 in credit card debt where he’s paying out 16% interest, just how big an idiot is Jimmy? I also liked Dave’s quote, “That’s got stupid written all over it.”